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    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
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    • Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • Thanks Dave It's not too far away, about 8 or 9 miles, I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
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HSBC is going to remove my overdraft facility help.


JOSH_IOU
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I have today received a letter informing me that my overdraft facility of £600 will be removed on the 23rd of January.

 

They said that the overdraft facility would be removed.

 

They also ask for a list of income and outgoing list to be completed which the have called the Affordability form.

 

Is this punishment for sending them to court twice?

Can they do this?

How do I stop them?

Can I stop them?

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They do have the right to withdraw this facility, although you may of course be correct in the assumption that it is a retaliatory action for having reclaimed charges.

 

Proving it would be another thing. It would essentially be a case of complaining to the FOS and letting them decide, but if you feel as though they are doing this for no other reason, it might just be better to move to another bank who will offer the same or similar OD facility.

 

Are there other circumstances that could have affected this decision - change of financial status etc?

 

If your finances are in order, my best advice would be to move banks now. You might wish to keep this account open (unused) whilst you submit a complaint...

..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 8 months later...

I think your best bet would be to open a parachute account somewhere else. That way you can start from scratch and manage your finances a bit better. Once you have set up a new account,you can then go back to HSBC and start up a repayment plan as well as carrying on with your claim.

 

If you need to check the charges, you can do this online at the HSBC website. You do need to be registered for this. You can check up to 6 years worth of statements.

 

I do not know any free "help" comapnies, but I am sure you can get all the advise you need right here. It also might be best to start up your own thread, that way we can advise you of the whole reclaiming process and it won't get confused with the advice given to JOSHIOU.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

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sometimes it can take a while to get a response from the FOS. should you need any further help, just ask away. We are right here ready to help :)

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

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Take more water with it jo..............:D

 

 

PS : Have you told katylegs her answers are on here jo ? :confused:

:)

Edited by johnnymitch

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Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

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